Watch insurance, made easy
Compare top insurers, pick your coverage, and get covered in minutes.
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Don't settle for a single quote. Our comparison engine scans the industry's premier underwriters so you can evaluate rates, terms, and coverage options side-by-side. From theft and loss to extended mechanical warranties, you have total transparency.
3 Simple Steps to insuring your watch
PROFILE YOUR ASSET
Enter your watch details to instantly unlock tailored market options. No initial appraisals required.
CHOOSE YOUR COVERAGE
Compare bespoke insurance and specialized mechanical warranties side-by-side for total transparency.
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Watch insurance, explained
Everything you need to know before you insure your watch
How much does watch insurance cost?
Usually about 1–2% of the watch’s value per year. A $15,000 watch typically costs around $150–$300 a year with a specialist watch insurer.
What affects the price
- Value: premiums scale with the watch’s appraised or replacement value.
- Location: your ZIP code. Cities usually cost more than rural areas.
- Deductible: a higher deductible lowers the premium.
- Storage: a home safe or monitored alarm can reduce it.
- Claims history: past claims for watches or jewelry can raise your price.
| Piece | Value | Cost per year |
|---|---|---|
| Steel dive watch (e.g. Tudor Black Bay) | $4,000 | $40–$80 |
| Chronograph (e.g. Omega Speedmaster) | $7,500 | $75–$150 |
| Steel sports watch (e.g. Rolex Submariner) | $15,000 | $150–$300 |
| Gold dress watch | $25,000 | $250–$500 |
| Steel chronograph (e.g. Rolex Daytona) | $30,000 | $300–$600 |
| Collector piece | $100,000 | $1,000–$2,000 |
Illustrative values, with yearly premiums at 1–2% of value. Market prices change, so check what your watch is worth today before you insure it.
What does watch insurance cover?
Most specialist watch policies cover loss, theft and accidental damage, at home and while traveling, and repair or replace the watch with one of like kind and quality.
Usually covered
- Loss, including “mysterious disappearance” when you can’t say how it happened
- Theft, at home, while traveling or from your wrist
- Accidental damage, such as a cracked crystal or a dented case
- Watches in transit to a watchmaker for service, with many insurers
Usually not covered
- Mechanical breakdown, which is what a warranty is for
- Normal wear and gradual deterioration
- Intentional damage
Exact terms vary by insurer, so check the policy before you buy.
Watch insurance vs. homeowners insurance
Homeowners and renters policies often cap theft of watches and jewelry at around $1,000–$2,500 in total, and many exclude loss. A standalone watch policy covers each watch up to its listed value.
| Coverage | Watch insurance | Homeowners insurance |
|---|---|---|
| Lost or mysterious disappearance | Usually covered | Often excluded |
| Theft | Up to the listed value | Often capped at $1,000–$2,500 total |
| Accidental damage | Usually covered | Often excluded |
| Away from home | Typically worldwide | Varies by policy |
| Deductible | Often low or $0 | Your home deductible |
| Effect on home premium | None, it’s a separate policy | Claims can raise it |
What do you need to insure a watch?
Usually the receipt or an appraisal, and the serial number. Most insurers don’t need anything to give you a quote.
- A receipt or appraisal showing the brand, model, reference number and value. Higher-value watches usually need a recent appraisal.
- The serial number, plus the box and papers if you have them. They help prove ownership and recover a stolen watch.
- Clear photos of the dial, case back and serial number.
See what it would cost for your watch
Answer a few questions and compare quotes from licensed insurers in about a minute.
Compare quotesFAQ
No - AION is an independent comparison service. We match you with vetted, licensed insurers like Chubb, and the policy and any claim are handled directly by the insurer you choose.
Most homeowner's policies cap jewelry and watch theft at around $1,000–$2,500 in total, and often exclude mysterious disappearance. AION compares standalone policies that cover each piece at its full appraised value, so you can find protection that closes that gap.
Many of the policies we compare have zero deductible on covered claims - we'll flag which ones do before you choose so there's no surprise later.
Only if the policy you choose reflects the current value. We recommend an annual check-in, or an easy in-app update, so the coverage you compare keeps pace with the market and not just your original receipt.
For most pieces, a clear photo and the manufacturer's specs are enough to get matched with quotes. Rare or heavily modified pieces may need a short appraisal - we'll tell you upfront if an insurer requires one.
That depends on the insurer you choose. Most offer the option to buy the piece back at the amount paid out, or let the insurer keep it and keep your payout as-is. We'll show you each insurer's policy on this before you decide.